Questions Covered in the report: -How is the Coronavirus outbreak affecting the global online & mobile payments industry? -What is the main impact of COVID-19 on digital payment adoption? -How are payments revenues expected to be affected by the outbreak? -What are the top payment methods used by online shoppers in 30+ countries worldwide? -How are mobile payments evolving across various global regions? Click here for report overview: https://bit.ly/3z3TnF9

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3. 3

4. 4
GENERAL METHODOLOGY OF MARKET REPORTS
Secondary Market Research
 The reports are compiled based on secondary market research. Secondary research is information gathered from previously published sources. Our reports are
based on information and data acquired from national and international statistical offices, industry and trade associations, business reports, business and
company databases, journals, company registries, news portals and many other reliable sources. By using various sources we ensure maximum objectivity for
reported data. As a result, companies gain a precise and unbiased impression of the market situation.
 Cross referencing of data is conducted in order to ensure validity and reliability.
 The source of information and its release date are provided on every chart. It is possible that the information contained in one chart is derived from several
sources. If this is the case, all sources are mentioned on the chart.
 The reports include mainly data from the last 12 months prior to the date of report publication. Exact publication dates are mentioned in every chart.
Definitions
 The reports take into account a broad definition of B2C E-Commerce, which might include mobile commerce. As definitions may vary among sources, exact
definition used by the source (if available) is included at the bottom of the chart.
Chart Types
 Our reports include text charts, pie charts, bar charts, rankings, line graphs and tables. Every chart contains an Action Title, which summarizes the main
idea/finding of the chart and a Subtitle, which provides necessary information about the country, the topic, units or measures of currency, and the applicable time
period(s) to which the data refers. With respect to rankings, it is possible that the summation of all categories amounts to more than 100%. In this case, multiple
answers were possible, which is noted at the bottom of the chart.
Report Structure
 Reports are comprised of the following elements, in the following order: Cover page, preface, legal notice, methodology, definitions, table of contents,
management summary (summarizing main information contained in each section of report) and report content (divided into sections and chapters). When
available, we also include forecasts in our report content. These forecasts are not our own; they are published by reliable sources. Within Global and Regional
reports, we include all major developed and emerging markets, ranked in order of importance by using evaluative criteria such as sales figures.
Notes and Currency Values
 If available, additional information about the data collection, for example the time of survey and number of people surveyed, is provided in the form of a note. In
some cases, the note (also) contains additional information needed to fully understand the contents of the respective data.
 When providing information about amounts of money, local currencies are most often used. When referencing currency values in the Action Title, the EUR
values are also provided in brackets. The conversions are made using the average currency exchange rate for the respective time period. Should the currency
figure be in the future, the average exchange rate of the past 12 months is used.

5. 5
METHODOLOGY OF THE CURRENT REPORT
Report Coverage
 This report covers the global online payment market. It takes into account a wide definition of online payment, including payment methods used in online
shopping and mobile payment, such as remote and proximity payments. In addition, information related to the impact of the coronavirus (COVID-19) on digital
payments worldwide is included in this report.
 The report includes data mostly published in the previous 12 months. The exact date of publication of the source is stated on each chart. The time period which
the data refers to differs by source.
Report Structure
 The global chapter opens the report, featuring an overview of global online and mobile payment developments.
 The rest of the report is divided by regions presented in the descending order of B2C E-Commerce sales. Within each region, the countries are grouped by
advanced and emerging markets, where applicable, and ranked by online sales. Furthermore, text charts summarizing the impact of COVID-19 on digital
payments in each of the regions are included.
 Depending on data availability, the following types of market information are included: payment methods most used by online and mobile shoppers, breakdown
of E-Commerce orders by payment methods, number and value of online/mobile payment transactions, mobile payment user penetration, and consumer and
merchant attitudes to online and mobile payments. Not all the mentioned types of information are available for each of the covered countries.

6. 6
DEFINITIONS
The following expressions and definitions are used in this Online Payment market report*:
Note: *the definitions used by the original sources might differ from the ones stated on this chart; the exact definition used by each source, where available, is included on the respective
charts
 COVID-19 / CORONAVIRUS
An infectious disease triggered by an intense acute respiratory sickness. COVID-19 was first identified at the end of 2019
in Wuhan, China, and spread worldwide, becoming known as the coronavirus pandemic.
 ONLINE PAYMENT
Transfer of money made over the Internet following a consumer’s payment command, includes payments for product and
service purchased in B2C E-Commerce and M-Commerce.
 MOBILE PAYMENT
A wide definition of mobile payments includes payments made remotely in M-Commerce and proximity payments made in-
store, such as via QR code scanning and NFC technology.
 PROXIMITY MOBILE PAYMENT
A mobile payment where the merchant and the consumer are present in the same location and the interaction between the
consumer’s device (card, mobile device) and the POS is conducted using a proximity technology (e.g. NFC).
 NFC & CONTACTLESS
PAYMENT
Near Field Communication is a set of standards to create radio communication by bringing devices close together or
having them touch each other. In that way, contactless data exchange and contactless payment transactions using an
NFC-enabled smartphone or other mobile device can take place. Similarly, contactless payments can be made by credit
and debit cards enabled with the contactless technology.
 ALTERNATIVE PAYMENTS
Generally refers to payment methods other than credit card or bank card payments. Widely defined, alternative online
payment methods include bank transfers and direct debit, digital wallets, pre-paid cards and private label cards, invoice,
and digital currency. May also include cash on delivery and card schemes by local companies other than global card
brands.
 E-WALLET/DIGITAL WALLET
A prepaid digital account, allowing users to store money and use it in online or mobile transactions. The examples of E-
Wallets or digital wallets include Alipay and PayPal.
 MOBILE WALLET
A software solution that enables consumers to store payment credentials, such as credit or debit card information, and use
the stored credentials to pay digitally for transactions made in-store, online or via mobile. Mobile wallets are installed on
mobile devices which are used to complete payments. The examples of mobile wallets include Apple Pay, Samsung Pay
and Google Pay. Mobile wallets are often included in the broader category of E-Wallets or digital wallets.
 INSTANT PAYMENTS
Electronic payment solutions for retail which are available 24/7/365 and thus result in immediate or close-to-immediate
interbank clearing of transactions and crediting of the payees’ accounts and confirm the payment to the payer after
payment initiation.
 B2C E-COMMERCE The sale of products (and services) through electronic transactions via the Internet from businesses to consumers.

7. 7
TABLE OF CONTENTS (1 OF 11)
1. Management Summary
2. Global Developments
• COVID-19 Impact on Online & Mobile Payment, May 2020
• COVID-19 Impact on Payment Providers, June 2020
• The Impact of COVID-19 on Payments Revenues, incl. Payments Revenues in 2019, Pre-COVID-19 Forecast, and Payments Revenues
Forecast Under The Impact of COVID-19, in USD billion, 2020
• Post-COVID-19 Forecast for Digital Commerce & Payments Spending, in USD trillion, 2020f & 2021f Compared to 2019
• Share of Consumers Who Plan to Increase Their Usage of Digital Payments Due To COVID-19, in %, by During COVID-19 and In The
Next 6-9 Months, April 2020
• Digital Transactions Share of Total Payment Transaction Value, 2025f, by Estimate Before COVID-19 and After
• Payment Methods Most Used When Shopping Online During The Pandemic, in % of Online Shoppers, by Selected Countries, April 2020
• Payment Methods Used For the First Time When Shopping Online During The Pandemic, in % of Online Shoppers, by Selected
Countries, April 2020
• Criteria for Choosing a Payment Method in Online Shopping Which Became More Important Since The Pandemic Outbreak, in % of
Online Shoppers, by Selected Countries, April 2020
• Share of Online Shoppers Who Had Abandoned a Shopping Cart Due to Their Preferred Payment Method Not Being Offered, in %,
January 2019
• Share of Respondents Who View Contactless as a Cleaner Way to Pay, in %, April 2020
• Proximity Mobile Payment User Penetration, in % of Smartphone Users, by Selected Countries, 2019e
• Overview of Mobile Money Statistics, incl. Number of Live Services, Registered Accounts, in millions, Active Accounts, in millions,
Transaction Volume in millions, and Transaction Value, in USD billion, and Year-on-Year Growth, in %, by Region, 2019
3. Asia-Pacific
3.1. Regional
• COVID-19 Impact on Online & Mobile Payments, June 2020
• Venture Financing Deals in The Payments Industry, Compared to Other Regions Worldwide, and Breakdown of Deals by Country, in %,
Q1 2020
• Digital Wallets’ Share of E-Commerce and In-Store Sales, in %, 2019

8. 8
TABLE OF CONTENTS (2 OF 11)
3.2. Advanced Markets
3.2.1. Japan
• Online Payment Services Market Revenues, in JPY billion, and Year-on-Year Change, in %, FY 2016 - FY 2023f
• Payment Methods Used in E-Commerce, in % of Online Shoppers, November 2019
• Actions Taken When The Preferred Payment Method is Not Offered, in % of Online Shoppers, November 2019
• Mobile Payment User Penetration, by QR Code Payment and Contactless Payment, in % of Internet Users, January 2020
• QR Code Mobile Payment Services, by All Used and Most Used, in % of QR Code Mobile Payment Users, January 2020
• Number of PayPay Users, in millions, August 2019, October 2019, December 2019, February 2020 & April 2020
3.2.2 South Korea
• Breakdown of Payment Methods Used in E-Commerce, in % of Adults, 2019
• Mobile Payment User Penetration, in % of Adults, by Age Group, 2019
• Top Mobile Payment Services by Number of Users, in millions, December 2019
3.2.3 Australia
• Digital Wallet Transactions, by Number, in millions, and Value, in AUD million, February 2020 & March 2020
• Breakdown of Card Payments, by Remote and In-Person, in %, June 2019
• Digital Payment User Penetration, by Type, in % of Individuals, December 2018 & December 2019
• Awareness and Usage of Buy Now Pay Later Payment Methods, in %, December 2018 & December 2019
• Usage of Selected Buy Now Pay Later Services, in % of Individuals, December 2018 & December 2019
• Usage of Selected Online Payment Services, in % of Individuals, December 2018 & December 2019
• Usage of Selected Mobile Payment Services, in % of Individuals, December 2018 & December 2019
3.2.4. Singapore
• E-Commerce Payments Value, in SGD billion, 2019 & 2020f
• Payment Methods Used in E-Commerce, in % of Online Shoppers, 2019
• QR Code Mobile Payment Usage, in % of Individuals, by Age Group, 2019

9. 9
TABLE OF CONTENTS (3 OF 11)
3.3. Emerging Markets
3.3.1 China
• Share of Consumers Who Plan to Increase Their Usage of Digital Payments In the Next 6-9 Months Due To COVID-19 Outbreak, in %,
Compared to Global Average, April 2020
• E-Commerce Payments Value, in CNY trillion, 2019 & 2023f, by Pre-COVID-19 Forecast (December 2019) and Post-COVID-19 Forecast
(April 2020)
• Breakdown of Payment Methods in E-Commerce by Payment Value, in %, 2019e
• Third-Party Mobile Payment Transaction Value, in CNY trillion, and Year-on-Year Change, Q1 2019 - Q1 2020
• Breakdown of Third-Party Mobile Payment, by Type, in %, Q1 2019 – Q1 2020
• Third-Party Mobile Payment Transaction Value, in CNY trillion, and Year-on-Year Change, 2018-2022f
• Number of Mobile Payment Users, in millions, and Penetration, in % of Mobile Internet Users, 2014 - 2018 & June 2019
• Number of Online Payment Users, in millions, and Penetration, in % of Internet Users, 2014 – 2018 & June 2019
• Digital Wallets’ Share of E-Commerce and In-Store Sales, in %, 2019
• Breakdown of Third-Party Mobile Payment GMV by Players, in %, Q2 2019
• Selected Leading Mobile Wallet Apps Used, in % of Internet Users, July 2019
3.3.2 India
• Share of Consumers Who Plan to Increase Their Usage of Digital Payments In the Next 6-9 Months Due To COVID-19 Outbreak, in %,
Compared to Global Average, April 2020
• Change in Usage of Selected Payment Methods Amid the COVID-19 Outbreak, by Usage in the Past Month and in the Next 6 Months, in
% of Consumers, April 2020
• E-Commerce Payments Value, in USD billion, 2019e-2023f
• Breakdown of E-Commerce Payment Value by Payment Methods, in %, 2019e
• Mobile Wallet Payment Transaction Value, in INR trillion, 2018 & 2019e
• Mobile Wallet Apps Used, in % of Internet Users, July 2019
3.3.3. Indonesia
• E-Commerce Payments Value, in IDR trillion, 2018-2023f
• Breakdown of Payment Methods in E-Commerce by Payment Value, in %, 2018 & 2019

10. 10
TABLE OF CONTENTS (4 OF 11)
3.3. Emerging Markets (Cont.)
3.3.3. Indonesia (Cont.)
• Payment Methods Preferred in E-Commerce, in % of Online Shoppers, H1 2019
• Top 3 Digital Wallet Apps Used, in % of Digital Wallet App Users, by Age Group, April 2019
• Proximity Mobile Payment User Penetration, in % of Smartphone Users, 2019e
3.3.4. Thailand
• Breakdown of Expected Change in Payment Methods Post-COVID-19 Pandemic, in %, April 2020
• Number of Daily Payments via PromptPay, in millions, March 2019 & March 2020
3.3.5. Malaysia
• Number of Digital Wallet Accounts, in millions, and Year-on-Year Change, October 2019 - March 2020
• Breakdown of Mobile Wallet Adoption, in % of Respondents, 2019
• Breakdown of Mobile Wallets Owned, in % of Mobile Wallet Owners, 2019
4. Europe
4.1. Regional
• COVID-19 Impact on Online & Mobile Payment, June 2020
• Payment Revenues Breakdown, by Segment, in %, 2019e, and Expected Impact of COVID-19, 2020f
• Breakdown of Preferred Payment Methods, by In-Store and Online, in % of Consumers, September 2019
• Breakdown of Payment Methods Preferred in E-Commerce, in % of Online Shoppers, by Selected Countries, Spring 2019
• Share of Consumers Who Would Cancel Their Online Purchase and Buy Elsewhere if Faced with PSD2 Authentication Requirements, in
%, by Germany, France, Spain, the UK and Total, October 2019
• Recommended Measures to Mitigate Conversion Risks Due to SCA in E-Commerce, March 2019
• Mobile Payment User Penetration, in % of Adults, 2019
• Proximity Mobile Payment User Penetration, in % of Smartphone Users, by Selected Countries, 2019e

11. 11
TABLE OF CONTENTS (5 OF 11)
4. Europe (Cont.)
4.2 Advanced Markets
4.2.1. UK
• E-Commerce Payment Methods Most Used And Used For The First Time During The COVID-19 Outbreak, in % of Online Shoppers,
April 2020
• Breakdown of Online Shoppers by Perceiving Security or Convenience as the Most Important Factor When Paying for Something Online,
in %, June 2019
• Breakdown of Usage Rates of “Buy Now, Pay Later Options” at Checkout During The Previous Five Years, in % of Consumers, October
2019
• Contactless Payment User Penetration for Payments Under GBP 30, in % of Consumers, by Contactless Cards and Mobile Payment, in
%, 2017 & 2019
• Proximity Mobile Payment Users, in millions, and Penetration, in % of Smartphone Users, 2018 - 2023f
• Share of Internet Users Who Would Be Willing to Make a Payment Using a Wearable Device Like a Ring or a Bracelet, in %, January
2019
4.2.2. Germany
• E-Commerce Payment Methods Most Used And Used For The First Time During The COVID-19 Outbreak, in % of Online Shoppers,
April 2020
• Consumer Attitudes to Using Cash and Contactless Payments During COVID-19 Outbreak, in %, April 2020
• Payment Methods Known and Used in E-Commerce, in % of Online Shoppers, October 2019
• Top 10 Factors Considered When Choosing a Payment Method in E-Commerce, in % of Online Shoppers, October 2019
• Mobile Payment User Penetration, in % of Individuals, 2017-2019
• Breakdown of Mobile Payment Services Used, in % of Mobile Payment Users, March 2019
4.2.3. France
• Breakdown of Payment Methods Preferred in E-Commerce, in % of Online Shoppers, Spring 2019
• Breakdown of Online Shoppers by Perceiving Security or Convenience as the Most Important Factor When Paying for Something Online,
in %, June 2019

12. 12
TABLE OF CONTENTS (6 OF 11)
4. Europe (Cont.)
4.2 Advanced Markets (Cont.)
4.2.3. France (Cont.)
• Innovative Payment Methods Used by Internet Users, in % of Internet Users, January 2020
• Perception of Innovative Payment Methods, in % of Internet Users, January 2020
4.2.4. Spain
• Payment Methods Used in E-Commerce, in % of Online Shoppers, 2018 & 2019
• Breakdown of Factors Most Important in Online Payment Methods, in % of Online Shoppers, October 2019
• Mobile Payment User Penetration, in % of Consumers, April 2019
4.2.5. Italy
• E-Commerce Payment Methods Most Used And Used For The First Time During the COVID-19 Outbreak, in % of Online Shoppers, April
2020
• Share of Consumers Who Plan to Increase Their Usage of Digital Payments In the Next 6-9 Months Due To COVID-19 Outbreak, in %,
Compared to Global Average, April 2020
• Digital Payments, in EUR billion, 2018 & 2021f
4.3. Emerging Markets
4.3.1. Russia
• Changes in Payment Behaviour Due to COVID-19, By Consumers Who Used Cash and Cashless Payments Before COVID-19 and Who
Used Cash Payments Only, in %, April 2020
• Payment Methods Used in E-Commerce, in % of Online Shoppers, 2016 & 2019
• Online Payment Methods Used to Pay for Products and Services Online, by Desktop and Smartphone, in % of Internet Users, July 2019
• Online Payment Services Used to Pay for Products and Services Online, by Desktop and Smartphone, in % of Internet Users, July 2019
• Non-Bank Digital Wallet Services Used, by Age Group and Total, in % of Internet Users, July 2019

13. 13
TABLE OF CONTENTS (7 OF 11)
4. Europe (Cont.)
4.3. Emerging Markets (Cont.)
4.3.2. Poland
• Payment Methods Encouraging Online Shopping, in % of Online Shoppers, April 2019
• Breakdown of Fast Transfer Services Used in E-Commerce, in % of Online Shoppers Paying by Fast Transfer Services, April 2019
• Mobile Payment User Penetration, in % of Internet Users, 2018 & 2019
4.3.3. Turkey
• Breakdown of Payment Methods Used in E-Commerce, in % of Online Shoppers, May 2019
• Number of Domestic E-Commerce Transactions with Domestic Bank Cards, in millions, and Value, in TRY million, Q1 2018 – Q1 2020
• Number of Cross-Border E-Commerce Transactions with Domestic Bank Cards, in millions, and Value, in TRY million, Q1 2018 – Q1
2020
4.3.4. Czech Republic
• Payment Methods Used in E-Commerce, in % of Internet Users, August 2019 & May 2020
• Contactless Mobile Payment User Penetration, in % of Internet Users, 2018 & 2019
5. North America
5.1. Regional
• Online & Mobile Payment Trends and News About Players, March 2020
5.2. USA
• COVID-19 Impact on Online & Mobile Payment, April 2020
• Precautions Taken by Consumers Due To COVID-19 When Shopping In-Store, in % of Consumers, March 2020
• Perceived Importance of the Contactless Feature in Credit Cards, in % of Consumers, by Pre COVID-19 and on March 3, 2020
• Consumers Who Tried Contactless Payments for the First Time During The Pandemic, in % of All Consumers, and Consumers Who
Would Keep Using Contactless Payments After The Pandemic, in % of First-Time Users, March 2020

14. 14
TABLE OF CONTENTS (8 OF 11)
5. North America (Cont.)
5.2. USA (Cont.)
• Contactless Card Payment Transaction Value, in USD billion, 2020f & 2024f
• COVID-19-Related Fraud Losses, in USD million, and Number of Reported Cases, by Top 5 Complaint Categories and Total, January 1 -
June 8, 2020
• Payment Methods In The COVID-19-Related Fraud, incl. Losses, in USD million, and Number of Reported Cases, January 1 - June 8,
2020
• E-Commerce Payment Methods Most Used And Used For The First Time During The COVID-19 Outbreak, in % of Online Shoppers,
April 2020
• Top 3 Payment Methods Used via Computer, by Average Purchase Value, in USD, and Frequency of Purchase, by Times Purchased in
The Previous 30 Days, 2019
• Awareness, Usage and Usage Intent of Interest-Free Online Payment Programs, in % of Adults, Q1 2019 – Q4 2019
• Mobile Wallet User Penetration, in % of Smartphone Users, May 2019
• Types of Payments Made via Mobile Payment Apps, in % of Mobile Payment App Users, January 2020
• Top 3 Digital Wallets, by Payment Channel, in % of Digital Wallet Users, August 2019
• Breakdown of Payment Methods Used With Digital Wallets, by Credit Card, Debit Card and Bank Account, in % of Users, August 2019
• Number of Proximity Mobile Payment Users, in millions, and Penetration, in % of Smartphone Users, 2018- 2023f
• Number of Proximity Mobile Payment Users of Apple Pay, Google Pay and Samsung Pay, in millions, 2019e
5.3. Canada
• E-Commerce Payment Methods Most Used And Used For The First Time During The COVID-19 Outbreak, in % of Online Shoppers,
April 2020
• Most Trusted Payment Methods, in % of Internet Users, April 2019
• Share of Internet Users Comfortable With Mobile Or Digital Wallet Payments, in %, 2016 & 2019
• Mobile Payment Apps Used, in % of Smartphone Users, 2019
• Average Number of E-Transfers via Interac per Month, in millions, 2019 & March 2020

15. 15
TABLE OF CONTENTS (9 OF 11)
6. Latin America
6.1. Regional
• COVID-19 Impact on Online & Mobile Payment, June 2020
• Breakdown of Consumer Expectations Regarding The Use of Online Payment Methods Post-COVID-19 Outbreak, in %, April 2020
• Payment Methods Used in E-Commerce, By Selected Countries, in % of Online Shoppers, July 2019
• Mobile Payment User Penetration, in % of Internet Users With a Bank Account, 2018 & 2019
• Selected Mobile Payment Apps Used, incl. Penetration, in % of Devices, and Active Users, in % of All Users, by Argentina, Brazil and
Mexico, July 2019
6.2. Brazil
• Year-on-Year Change in Value of Card-Present and Card-Not-Present Payments, March 2020
• Value of Contactless Payments, in BRL million, March 2019 & March 2020
• Breakdown of E-Commerce Orders by Payment Methods, in %, H1 2019
• Average Attempted Fraud Share, in % of E-Commerce Sales, 2019
• Proximity Mobile Payment User Penetration, in % of Smartphone Owners, August 2019
6.3. Mexico
• Payment Methods Used in E-Commerce, in % of Online Shoppers, July 2019
• Number of Authorized Payment Transactions on E-Commerce Websites, in millions, Value, in MXN billion, and Authorization Rate, in %
of Transactions and in % of Transaction Value, by Credit Cards and Debit Cards, Q1 2018 – Q3 2019
• Proximity Mobile Payment User Penetration, in % of Smartphone Users, 2019e
6.4. Argentina
• Breakdown of Payment Methods Preferred in E-Commerce, in %, 2019
• Proximity Mobile Payment User Penetration, in % of Smartphone Users, 2019e
6.5. Colombia
• Payment Methods Used in E-Commerce, in % of Online Shoppers, July 2019

16. 16
TABLE OF CONTENTS (10 OF 11)
6. Latin America (Cont.)
6.6. Chile
• Payment Methods Used in E-Commerce, in % of Online Shoppers, July 2019
• Year-on-Year Change in Card Payment Transactions, by Online and in-Store, in %, Week 1 – Week 4 of March 2020
• Online Share of Card Payments, in %, Week 1 – Week 4 of March 2019 & 2020
7. Middle East & Africa
7.1. Regional
• COVID-19 Impact on Online & Mobile Payment, June 2020
• The Impact of COVID-19 on Electronic Payments Revenues, incl. Revenues in 2019, Pre-COVID-19 Forecast, and Revenues Forecast
Under The Impact of COVID-19, in USD billion, 2020
• Attitudes to Contactless Payments During COVID-19 Outbreak, in % of Consumers, April 2020
7.2. UAE
• E-Commerce Payments Value, in AED billion, 2017-2022f
• Breakdown of E-Commerce Transactions by Payment Methods, in %, August 2019
• Digital Wallet Awareness, Ownership & Usage, in % of Online Payment Users, February 2019
• Attitudes to Contactless Payments During COVID-19 Outbreak, in %, April 2020
7.3. Saudi Arabia
• Payment Methods Used in E-Commerce, in % of Online Shoppers, 2019
7.4. Israel
• Breakdown of E-Commerce Transactions by Payment Methods, in %, August 2019
• Share of Respondents Who Are Using Less Cash Since Adopting Mobile Payment Apps, in %, 2019

17. 17
TABLE OF CONTENTS (11 OF 11)
7. Middle East (Cont.)
7.5. South Africa
• Breakdown of Payment Methods Used in E-Commerce, in % of Online Shoppers, March 2020
7.6. Egypt
• Breakdown of E-Commerce Transactions by Payment Methods, in %, August 2019
7.7. Kenya
• Breakdown of E-Commerce Transactions by Payment Methods, in %, August 2019
• Mobile Payment Statistics, incl. Number of Transactions, in Millions, Value of Transactions, in KES Billion, Number of Accounts, in
Millions, and Number of Agents, in Thousands, 2014 – 2019 & Q1 2020

18. 1. Management
Summary
18 – 25
2. Global Developments 26 – 40
3.
3.1.
3.2.
3.2.1.
3.2.2.
3.2.3.
3.2.4.
3.3.
3.3.1.
3.3.2.
3.3.3.
3.3.4.
3.3.5.
Asia-Pacific
Regional
Advanced Markets
Japan
South Korea
Australia
Singapore
Emerging Markets
China
India
Indonesia
Thailand
Malaysia
41 – 92
42 – 44
45 – 64
46 – 51
52 – 54
55 – 61
62 – 64
65 – 92
66 – 76
77 – 82
83 – 87
88 – 89
90 – 92
6.
6.1.
6.2.
6.3.
6.4.
6.5.
6.6.
7.
7.1.
7.2.
7.3.
7.4.
7.5.
7.6.
7.7.
Latin America
Regional
Brazil
Mexico
Argentina
Colombia
Chile
Middle East &
Africa
Regional
UAE
Saudi Arabia
Israel
South Africa
Egypt
Kenya
162 – 181
163 – 167
168 – 172
173 – 175
176 – 177
178 – 178
179 – 181
182 –196
183 – 185
186 – 189
190 – 190
191 – 192
193 – 193
194 – 194
195 – 196
4.
4.1.
4.2.
4.2.1.
4.2.2.
4.2.3.
4.2.4.
4.2.5.
4.3.
4.3.1.
4.3.2.
4.3.3.
4.3.4.
5.
5.1.
5.2.
5.3.
Europe
Regional
Advanced Markets
UK
Germany
France
Spain
Italy
Emerging Markets
Russia
Poland
Turkey
Czech Republic
North America
Regional
USA
Canada
93 – 138
94 – 101
102 – 124
103 – 108
109 – 114
115 – 118
119 – 121
122 – 124
125 – 138
126 – 130
131 – 133
134 – 136
137 – 138
139 – 161
140 – 140
141 – 156
157 – 161
18

19. Plan to Increase
Usage of Digital
Payments
63%
Others
37%
19
Global AverageChina
Plan to Increase
Usage of Digital
Payments
46%
Others
54%
Almost two in three consumers surveyed in China in Apr. 2020 planned
to use more digital payments in the next 6-9 months due to COVID-19.
China: Share of Consumers Who Plan to Increase Their Usage of Digital Payments In the Next 6-9
Months Due To COVID-19 Outbreak, in %, Compared to Global Average, April 2020
Definition: digital payment channels include credit/debit/bank pre-paid cards, internet banking, mobile payments (incl. mobile wallets and digital payment apps), and smart wearables
Survey: based on a survey of 11,281 consumers in 11 countries (China, France, Germany, India, Italy, the Netherlands, Norway, Spain, Sweden, the UK, and the USA), conducted in
April 4-8, 2020; question asked “What is/will be the change in your payment habits amid the COVID-19 spread and afterwards?“; show the percentage of consumers who
report an increase in usage of digital payment channels
Source: Capgemini cited by LiveMint, May 2020

20. 25%
45%
50%
60%
26%
29%
30%
22%
49%
26%
20%
18%
0% 20% 40% 60% 80% 100%
Cash
Debit/Credit
Card
Net Banking
Digital Wallet
18%
36%
46%
51%
24%
30%
30%
25%
58%
34%
25%
25%
0% 20% 40% 60% 80% 100%
Cash
Debit/Credit
Card
Net Banking
Digital Wallet
Increased
Same
Decreased
20
in % of Consumers in % of Consumers
51% of consumers in India increased their usage of digital wallets amid
the outbreak in Apr. 2020 and 60% planned to use it more in the future.
India: Change in Usage of Selected Payment Methods Amid the COVID-19 Outbreak, by Usage in the
Past Month and in the Next 6 Months, in % of Consumers, April 2020
Past Month Next 6 Months
Note: may not add up to 100% due to rounding
Survey: based on a survey of 2,324 consumers representative of the top 35% of the metro to tier 2 towns and cities in India, conducted in April 17-20, 2020; question asked: “How
would you describe your usage behavior in the past 1 month?“ and “How do you expect your usage behavior to change in the next six months”.
Source: BCG, May 2020

21. Note: does not add up to 100% due to multiple answers possible
Survey: based on a survey of 8,000 consumers in the USA, the UK, Canada, Bulgaria, Italy, Austria and Germany, conducted between 8th
and 15th
April 2020; question asked:
“Which payment methods have you used in the past month when making payments online?“ and “Since the outbreak of COVID-19, which of the following payment
methods have you used to make an online payment for the first time?“
Source: Paysafe, Sapio Research, May 2020
47%
2%
2%
3%
4%
12%
6%
18%
20%
5%
5%
5%
7%
19%
22%
36%
44%
50%
0% 20% 40% 60% 80% 100%
None of the Above
Electronic Cash
Pay by Invoice
Pay-by-Instalment
Plan
Direct Bank Transfer
Debit Card
Credit Card
Prepaid Card
Digital Wallet
Most Used
Used For The
First Time
21
When purchasing online amid the COVID-19 pandemic, one in two
shoppers in Italy paid by “Digital Wallet” in April 2020.
Italy: E-Commerce Payment Methods Most Used And Used For The First Time During the COVID-19
Outbreak, in % of Online Shoppers, April 2020
in % of Online Shoppers

22. 22
286
1400
0
500
1000
1500
2000
March 2019 March 2020
inBRLmillion
+385%
Amid the COVID-19 outbreak in March 2020, contactless payments in
Brazil surged by +385% y-o-y to BRL 1.4 billion (EUR 259.4 million).
Brazil: Value of Contactless Payments, in BRL million, March 2019 & March 2020
Note: the exchange rate used in the action title is the average rate for March 2020: BRL 1 = EUR 0.1853
Definition: includes payments using NFC technology in physical stores, incl. payments via smartphone, smart watch, card and bracelet
Source: Abecs, May 2020

23. 23
84% of consumers in MEA surveyed during the COVID-19 outbreak
in April 2020 believed that contactless was a cleaner method to pay.
Middle East & Africa: Attitudes to Contactless Payments During COVID-19 Outbreak, in % of Consumers,
April 2020
Note: does not add up to 100% due to multiple answers possible
Survey: based on a survey of 17,000 banked consumers in 19 countries, including 1,000 in the UAE, 1,000 in Saudi Arabia, and 1,000 in South Africa, conducted between April
10 and 12, 2020
Source: Mastercard, April 2020
61%
64%
70%
79%
81%
84%
0% 25% 50% 75% 100%
Have Swapped Out The Top-of-Wallet Card For One That
Offers Contactless
The Pandemic Has Led The to Use Less Cash
Use Contactless Payments
Contactless Payment Methods Have Been Easy to Adopt
Would Use Continue to Use Contactless Post-Pandemic
Contactless is a Cleaner Way to Pay
in % of Consumers

24. 24